United World Life Medicare Supplement 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated March 27th, 2024

Understanding Medigap plans and United World Life Medicare Supplement 2025 options is crucial for a secure healthcare plan. Known for reliable coverage, United World Life’s Medigap Policies, such as Plans A, B, F, G, and N, offer peace of mind in handling medical costs not covered by Original Medicare. In this article, we’ll break down what each plan entails, how to weigh costs, and ways to select the best plan for your needs without the fluff.


Key Takeaways


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United World Life Medicare Supplement 2025: An Overview

United World Life Medicare Supplement 2025 An Overview



United World Life’s Medicare Supplement plans for 2025 stand out with their variety of coverage options, ensuring flexibility and protection for beneficiaries. These Medigap policies include:

  • Plan A
  • Plan B
  • Plan F
  • Plan G
  • Plan N

are standardized, providing equal benefits and significantly helping to cover the out-of-pocket costs that Original Medicare does not pay. Not only does this provide a safety net against unforeseen medical expenses, but it also simplifies the healthcare experience for enrollees by offering guaranteed renewability for life and the ability to be used with any healthcare provider that accepts Original Medicare.

United World Life, a subsidiary of Mutual of Omaha, holds an A+ rating from AM Best, indicating its financial strength and reliability. The company is committed to providing leading customer support and expedient claims processing, ensuring that beneficiaries can focus on their health rather than being burdened by administrative procedures.

In summary, United World Life Medicare Supplement 2025 strives to offer beneficiaries comprehensive coverage, financial stability, and a seamless healthcare experience.


Coverage Options


Coverage Options


United World Life offers a plethora of Medigap plans, including:

  • Plans A
  • Plans B
  • Plans F
  • Plans G
  • Plans N

These plans are standardized across all insurance providers, providing consistent basic benefits and simplifying plan comparison for consumers. Each plan offers varying levels of coverage, ensuring there’s a plan for every type of beneficiary.

For example, there are several different Medicare supplement plans to choose from, each offering different levels of coverage and cost. Here are some examples:

Beneficiaries have the freedom to visit any healthcare provider that accepts Medicare without needing referrals and can keep their existing doctors as long as they accept Medicare. For those seeking additional coverage, United World Life also offers the option to purchase additional dental and vision plans. And for the globetrotters, United World Life provides emergency coverage, paying 80% of eligible expenses during the first 60 days of a trip up to a $ 50,000 lifetime maximum after meeting a $250 yearly deductible.


United World Medigap Plans for 2025

United World Life Insurance Company, a Mutual of Omaha subsidiary, offers a variety of Medigap plans for 2025. These plans include:

  • Plan A
  • Plan B
  • Plan F
  • Plan G
  • Plan N

These plans are designed to cover Medicare out-of-pocket costs such as deductibles, coinsurance, and copayments, enhancing the coverage provided by Original Medicare. Each plan is standardized, offering the same benefits for each plan type across different insurance companies. These features provide consistent, easy-to-understand, and comprehensive coverage for beneficiaries.

United World Life Medigap policies come with the following features:

  • Guaranteed renewability for life
  • No policy fees
  • A 12-month rate lock-in
  • Automated underwriting for fast policy issuance

On top of that, the company offers a household discount of up to 12% on Medigap plans, depending on the state of residence. This commitment to affordability and convenience sets United World Life apart in the daily living of Medicare Supplement landscape.

The company also boasts:

  • a 99% rate of Medicare claims payment within 24 hours, reducing the wait time and uncertainty for beneficiaries regarding the status of their claims
  • a quick turnaround time for claims processing
  • a track record of delivering billions in benefits to policyholders and beneficiaries

This underscores its commitment to stability and security. With United World Life Medigap plans, beneficiaries can rest assured that their healthcare needs will be covered promptly and efficiently.


Medicare Plan G – United World

United World Life Insurance Company, part of the Mutual of Omaha family, offers Medicare Supplement Plan G, a popular choice among beneficiaries for its comprehensive coverage. Plan G provides coverage for:

For those seeking a lower premium option, United World Life offers a high-deductible version of Plan G. In this case, beneficiaries are required to pay for Medicare-covered costs up to the deductible amount before the plan pays anything. The monthly premium for Mutual of Omaha Plan G can range from approximately $90 to $200, varying based on location, age, and tobacco usage.

Supported by Mutual of Omaha’s financial strength, United World Life Insurance Company maintains an A+ “Excellent” financial strength rating from AM Best. The enrollment process is straightforward, with one of our licensed insurance agents available to assist beneficiaries in selecting the appropriate plan based on individual needs. With its comprehensive coverage and financial stability, Plan G offers a compelling option for Medicare beneficiaries.


Medicare Plan N – Great Savings

Medigap Plan N from United World Life is known for striking a balance between out-of-pocket costs and premium expenses, making it a cost-effective coverage option for many beneficiaries. Plan N covers:

  • 100% of Medicare Part B coinsurance
  • A copayment of up to $20 for some office visits
  • A copayment of up to $50 for emergency room visits that don’t result in inpatient admission.

Considering the dynamic nature of healthcare costs, an annual comparison of Medigap plans is advised to ensure beneficiaries secure the most favorable rates. While Plan N may offer savings initially, rate increases depend on a variety of factors, including changes in healthcare regulations and market dynamics. Consulting with a Medisupps.com licensed insurance agent or Medicare specialist is advised to get insights into trends and expectations for rate increases, particularly for Plan N.


Medigap Plan F – Do you qualify?

Medigap Plan F is another offering from United World Life known for its comprehensive coverage. However, to qualify for Medigap Plan F, beneficiaries must have been eligible for Medicare before January 1, 2020. New beneficiaries after this date are not eligible due to the MACRA Act.

Nonetheless, for those who do qualify, Plan F covers all out-of-pocket costs such as copays, coinsurance, and deductibles for services covered by Medicare, providing a robust safety net against healthcare expenses.


Eligibility Criteria

United World Life Medigap plans have certain eligibility requirements. These include:

  • The individual is a citizen aged 65 and above, which aligns with the standard eligibility age for Medicare
  • Beneficiaries must be enrolled in both Medicare Part A and Part B to be eligible for United World Life Medicare Supplement plans.
  • However, those with end-stage renal disease (ESRD) are generally not eligible for United World Life Medicare Supplement plans, aside from certain exceptions.

Coverage is not denied by United World Life Medigap plans at the time of an individual’s initial enrollment in Medicare, providing immediate access to supplemental benefits. Individuals can enroll in a United World Life Medicare Supplement plan at any time, but enrolling outside of the open enrollment period may result in higher rates and the need for medical underwriting.

Lastly, due to changes implemented by the MACRA Act, individuals who became eligible for Medicare on or after January 1, 2020, are not eligible for Medigap Plan F, Plan C, or High-Deductible Plan F. However, existing Medicare beneficiaries who were eligible before this date can still enroll in these plans.


Enrollment Process

Grasping the enrollment process is vital for beneficiaries keen on United World Life Medicare Supplement plans. The initial six-month enrollment period starts on the first day of the month you turn 65 or older and are enrolled in Original Medicare Part A and B within a calendar year. During this guaranteed issue period, applications for Medicare Supplement plans are accepted without medical underwriting, which can lead to more policy options and potentially better rates.

United World Life offers a Medicare Enrollment Planner and other resources to facilitate the enrollment process. These resources can guide beneficiaries in choosing the most suitable plan for their needs and budget. Beneficiaries are automatically enrolled in Original Medicare and will receive their Medicare card three months before turning 65 years old. For those not automatically enrolled in Original Medicare, enrollment can be done online through the Social Security Administration’s website or by reaching out to the local Social Security office.

United World Life is committed to educating beneficiaries on the Medicare enrollment process and the various enrollment periods to help them optimize their healthcare coverage.

Medigap plans, including Plan F, can be enrolled at any time if you are switching Medigap plans. The best time to enroll is during the individual’s Medicare Supplement Open Enrollment Period, which lasts six months from the start of Part B coverage. If enrolling outside of the Open Enrollment Period or without Guaranteed Issue rights, beneficiaries may be subject to health questions and medical underwriting for Medigap Plan F.



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Comparing United World Life Medicare Supplement with Traditional Medicare

Equally important is to compare United World Life Medicare Supplement plans with traditional Medicare to make a well-informed decision about healthcare coverage. While both provide coverage for healthcare services, there are differences in terms of out-of-pocket expenses, coverage options, and flexibility.

For instance, beneficiaries can have better access to specialized medical services with United World Life Medicare Supplement plans as opposed to some Medicare Advantage plans that may have restrictive networks. Let’s delve deeper into these differences.


Coverage Differences


Coverage Differences


United World Life Medicare Supplement plans are designed to augment Original Medicare by covering additional healthcare costs, such as deductibles, coinsurance, and copayments. Plans F, G, and N from United World Life offer varying levels of coverage, from comprehensive inclusions such as Part A and B deductibles, coinsurance, and excess charges to specific coverages tailored for individuals expecting different healthcare utilization needs.

These plans provide beneficiaries with financial protection against the costs not covered by traditional Medicare. For example, a beneficiary previously enrolled in a Medicare Advantage plan switched to traditional Medicare with a United World Life Medicare Supplement plan after experiencing denied access to preferred healthcare facilities. This showcases how United World Life’s Medicare Supplement plans can enhance the coverage provided by traditional Medicare and ensure beneficiaries receive the care they need.


Cost Considerations


Cost Considerations


In addition to coverage, cost is another crucial factor to consider when comparing United World Life Medicare Supplement plans with traditional Medicare. United World Life Medigap plans’ costs vary by location, age, and health condition. Here are the monthly premium rates for a 65-year-old female nonsmoker, depending on the plan and location:

  • Plan A: $75
  • Plan B: $100
  • Plan C: $125
  • Plan D: $150
  • Plan F: $179

Each United World Life Medigap plan offers different coverage levels and comes with its unique cost structure. Here are some details about each plan:

  1. Plan F: This plan offers the most extensive coverage and typically has the highest monthly premium rates. However, it also has a high deductible option with lower monthly costs.
  2. Plan G: Premium rates for Plan G average between $90 and $150. This plan covers Part B excess charges, providing good value for the coverage obtained.
  3. Plan N: Plan N is a cost-effective mid-level coverage option. It offers full coverage for Part B coinsurance and copayments for certain office and ER visits.

Consider your healthcare needs and budget when choosing the right Medigap plan for you.

On the other hand, Original Medicare includes Parts A and B with set premiums, deductibles, and coinsurance, such as 20% of costs for doctor visits and lab tests under Part B. With Original Medicare, there is no annual limit on out-of-pocket expenses, a critical aspect to consider when comparing Medicare Supplement plans with out-of-pocket caps. Eligible individuals can receive a 12% household discount on Medicare Supplement plans, providing cost savings on premiums. Thus, a thorough cost comparison is essential to find a balance between cost and coverage that aligns with the beneficiary’s healthcare needs and budget.


Flexibility and Personalization

Another key advantage of United World Life Medicare Supplement plans over traditional Medicare is the flexibility and personalization they offer. These plans allow beneficiaries to choose from any healthcare providers that accept Medicare, not limiting them to a network. Beneficiaries of United World Life, Medicare Supplement policies, can see any doctor who accepts Medicare without the need for a referral. These plans include a guaranteed renewable policy, providing assurance of continued coverage as long as premiums are paid on time.

This level of flexibility and personalization in human services enables beneficiaries to tailor their healthcare coverage to align with their specific needs and preferences.


Case Studies: How United World Life Medicare Supplement Plans Benefit Beneficiaries

Having explored the various aspects of United World Life Medicare Supplement plans, it’s time to examine some real-life examples of their benefits for beneficiaries. These case studies illustrate the financial relief, access to specialized care, and emergency healthcare coverage provided by United World Life Medicare Supplement plans, offering a glimpse into the practical benefits of these plans.


Protecting Your Wallet

One of the primary benefits of United World Life Medicare Supplement plans is the financial protection they provide. These plans are guaranteed renewable, ensuring policies cannot be canceled provided premiums are paid on time and information is accurately presented. Coupled with the company’s efficient claims processing, beneficiaries can have peace of mind knowing their medical expenses are covered promptly.

One beneficiary with a United World Life Medicare Supplement Plan G was able to save significantly on copayments, coinsurance, and deductibles not covered by Medicare Parts A and B, thereby minimizing their out-of-pocket healthcare expenses.


Access to Specialized Care

Another significant benefit of United World Life, Medicare Supplement plans, is the enhanced access to specialized medical services they provide. One beneficiary was able to access a high-cost specialized surgery without any extra out-of-pocket expenses except for the plan’s premium due to being enrolled in a Medigap Plan F. This is a testament to the comprehensive coverage provided by United World Life Medicare Supplement plans, ensuring beneficiaries receive the healthcare they need without financial distress.


Emergency Healthcare While Traveling


Emergency Healthcare While Traveling


For those who love to travel, United World Life Medicare Supplement plans offer an additional layer of protection. These plans provide coverage for emergency healthcare while beneficiaries travel abroad, offering peace of mind for globetrotters.

A beneficiary who had a United World Life Medicare Supplement plan received the following benefits:

  • Timely emergency assistance while traveling in Europe
  • Coverage for emergency medical expenses
  • Avoidance of substantial out-of-pocket medical expenses


Tips for Choosing the Right United World Life Medicare Supplement Plan for You

Selecting the right United World Life Medicare Supplement plan is a critical decision necessitating careful consideration of your healthcare needs, financial circumstances, and personal preferences. Here are some tips to help you navigate this process.

Consider the following factors when choosing a healthcare supplement plan:

  • Your current health status and any known future healthcare needs
  • The coverage distinctions between different supplement plans
  • Any additional benefits offered by the plan
  • The financial implications of each plan
  • The plan’s network flexibility

It is also recommended to seek advice from a licensed insurance agent or financial advisor who can provide clarity on plan specifics and assist in navigating the choices based on individual circumstances.


Assess Your Healthcare Needs

The first step in choosing the right United World Life Medicare Supplement plan is to assess your current and future healthcare needs. Understanding your health condition and anticipated healthcare needs can help you select a plan that provides the right level of coverage. United World Life provides resources to aid individuals in understanding Medicare basics to choose the right coverage. They also offer personalized plan recommendations, whether you are new to Medicare or looking to switch plans.

For example, if you expect to have high healthcare utilization, you might consider opting for a comprehensive plan like Plan F if you qualify, or Medigap Plan G.


Compare Plan Options

Once you have a clear understanding of your healthcare needs, the next step is to compare different plan options. All Medigap plans, including those from United World Life, are standardized, meaning that the coverage for plans with the same letter designation is identical regardless of the insurance carrier. Therefore, when comparing Medigap plans, price and carrier reputation become key decision-making factors due to the standardization of coverage benefits.

United World Life offers a variety of Medigap plans, including:

  • Plan A
  • Plan B
  • Plan F
  • Plan G
  • Plan N

These plans allow beneficiaries to select a plan that aligns with their specific healthcare requirements and financial constraints. Beneficiaries considering United World Life Medicare Supplement plans also have the option to request a free quote comparison, which can aid in evaluating provider networks.


Seek Professional Guidance

Navigating the world of Medicare Supplement plans can be complex, so it’s often beneficial to seek professional guidance. Consulting with one of our licensed insurance agents can provide comprehensive guidance in navigating Medicare Supplement options, leading to effective cost comparisons. Our professionals possess extensive knowledge of standardized Medigap plan benefits, aiding in the comparison of costs and coverage across various companies.

By working with one of our insurance agents individuals can:

  • Save time with quick explanations of plan pricing and advantages without requiring extensive personal research
  • Have professional guidance and peace of mind in making informed decisions that protect their finances and health
  • Receive critical advice on the best timing to purchase Medigap, particularly during the Initial Enrollment Period when applications cannot be denied or charged
  • Prevent expensive mistakes since advisors understand the laws and regulations meant to protect consumers.

Seeking professional advice can provide individuals with the necessary support and knowledge to navigate the complexities of Medigap plans.



Navigating the world of Medicare can be complex, but United World Life Medicare Supplement plans provide a comprehensive and flexible solution to cover the gaps in Original Medicare.

Whether it’s the comprehensive coverage of Plan F, the balanced benefits of Plan G, or the cost-effective coverage of Medicare Plan N, United World Life has options to fit a wide range of healthcare needs and budgets.

With the potential changes in Medicare Advantage and Supplement Plans for 2025, staying informed and making proactive decisions is crucial. Remember to assess your healthcare needs, compare plan options, and seek professional guidance when choosing a Medicare Supplement plan. After all, your health is your wealth, and making the right healthcare decisions today can ensure a healthier and more secure future.

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Frequently Asked Questions

What is the Medicare Advantage rate for 2025?

The Medicare Advantage rate for 2025 is proposed to have an overall pay increase of 3.7% (CMS, Feb. 1, 2024).


Is United World Life part of Mutual of Omaha?

Yes, United World Life Insurance is indeed a subsidiary of Mutual of Omaha, providing various insurance products to individuals in parts of the U.S.


Are Medicare supplement plans going away?

Medicare Supplement Plan F is being phased out starting January 1, 2020, but if you currently have this plan, you can keep it for as long as you want. However, if you become eligible for Medicare after January 1, 2020, you can’t purchase a Plan F.


What are the coverage options for United World Life Medicare Supplement 2025?

United World Life Medicare Supplement 2025 offers a range of Medigap plans, such as Plans A, B, F, G, and N, with coverage varying depending on the chosen plan.


What changes are expected for Medicare Advantage and Supplement Plans in 2025?

Medicare Advantage and Supplement Plans are expected to undergo potential rate adjustments, regulatory updates, and innovations in care delivery in 2025.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about United World Life Medicare Supplement Plans in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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